Crowd of pilgrims dressed in white ihram garments inside the mosque around the Kaaba at night under illuminated arches and chandeliers with some wearing masks and a few people seated along the sides.

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Be ready when the call comes

The real cost and how to get there.

Why this journey matters Why this matters
A large group of worshippers dressed in white are praying in rows, bowing toward the Kaaba, the black cubic structure with gold-embroidered cloth in the center of the mosque in Mecca.

وَأَذِّن فِى ٱلنَّاسِ بِٱلْحَجِّ يَأْتُوكَ رِجَالًۭا وَعَلَىٰ كُلِّ ضَامِرٍۢ يَأْتِينَ مِن كُلِّ فَجٍّ عَمِيقٍۢ ٢٧

“And proclaim to the people the Hajj [pilgrimage]; they will come to you on foot and on every lean camel; they will come from every distant pass —”

Al-Hajj 22:27 · Sahih International

Why this journey matters

Both journeys begin with the same intention.

Whether it’s Umrah or Haji, the journey begins with Labbaik Allahumma Labbaik — Here I am.

Knowing you want to go is one thing. Knowing when you can afford to is another.

  1. Step 1 Niat You have already made the intention.
  2. Step 2 Planning Know what the journey costs, and what it asks of you.
  3. Step 3 Financial readiness Set money aside, steadily, until the number is real.
Calculate your number

Calculate

See what it could take.

Two tools to help you explore the numbers.

01 PLAN FOR HAJJ How much to set aside each month to reach your goal. Open → 02 PLAN FOR UMRAH What the same money does in a savings account, and invested. Open →
PLAN FOR HAJJ PLAN FOR UMRAH

PLAN FOR HAJJ

How much to set aside each month to reach your goal.

Kalkulator simpanan haji
Keputusan

Rancang haji anda

Beritahu sasaran anda dan kami hitung pelan simpanan.

Personalize your estimateOptional
How would you like to plan?
I have a target dateI have a monthly budget
✦ Suggested
RM

RM

RM

Optional one-time deposit to start your goal

Disclaimer

This content has not been reviewed by Securities Commission Malaysia. Past performance does not guarantee future returns. This product is offered under the Securities Commission Malaysia Regulatory Sandbox.

Calculate My Plan
Kalkulator simpanan haji
Keputusan
Edit My Plan

Your Target Goal

🕋Hajj

Goal

Wahed vs Tabung Haji — Projected Balance

Goal

Wahed

Tabung Haji

WahedTabung Haji

The Wahed Advantage

With Wahed

/mo

With Tabung Haji

/mo

(net deposit) — the money you set aside to invest with Wahed. estimated* gains you'll get over this period.

ContributionsGrowth

Start Now

A fair comparison — zakat included

To keep things fair with Tabung Haji (which already zakats your dividends), we've prepared the returns calculation here to also deduct zakat on the zakatable amount each year — so both projections sit on the same footing.

Your Wahed Journey, Year by Year

Year % Complete Contributions Growth Zakat Balance

Disclaimer: This content has not been reviewed by Securities Commission Malaysia. Past performance does not guarantee future returns. This product is offered under the Securities Commission Malaysia Regulatory Sandbox.

Disclaimer

This content has not been reviewed by Securities Commission Malaysia. Past performance does not guarantee future returns. This product is offered under the Securities Commission Malaysia Regulatory Sandbox.

Start over

How much do you need?

RM
+RM10,000+RM25,000+RM50,000+RM100,000Clear

How do you want to plan?

I know my timelineTell us when you need it by — we'll work out how much per month.I know my monthly budgetTell us what you can put aside each month — we'll work out how long it takes.

When do you need it by?

RM/mo

years

1 yr30 yrs

Just saving — no returns

Pick a portfolio

Six diversified Malaysia portfolios. Rates are net annualised returns from live Wahed portfolio data.

Sangat konservatif3.0%illustrative estimateKonservatif4.5%illustrative estimateSederhana6.0%illustrative estimateSederhana agresif7.5%illustrative estimateAgresif9.0%illustrative estimateSangat agresif10.5%illustrative estimate

Just saving — no returns

Invested with Wahed

You could save

Projections are illustrative estimates using a fixed expected annual return with monthly compounding. Actual returns will vary. Past performance is not indicative of future results.

BackStart overContinueStart with Wahed →

Illustrative-projection disclaimer attaches here, with the result — visible without scrolling past the number.

What it costs

Cost & packages

Here's what it actually costs.

Real prices from real packages. Filter by what matters to you.

Haji Umrah
Senarai 345 pakej dikemaskini pada Oktober 2026.

Harga median ( pakej)

Paling murah

Paling hampir dengan Haram

Tiada pakej memenuhi penapis ini.

Kosongkan semua penapis
Pakej / Agensi Harga Harga/hari Jarak Hari Kelas Hotel Makkah Pautan
Lihat—

Data pakej dikumpul daripada wukuf.my (harga Fasa 1, musim semasa). Harga boleh berubah; sahkan dengan pengendali sebelum membuat tempahan.

Before you pay anything

Wahed does not vet, rate or endorse these operators. Prices are collected from public listings and change often — verify directly before paying anything.

Check an operator's licence on the official MOTAC list
Your preparation

Your preparation

What to know before you go.

Different journeys, different preparation. Your choice.

Hajj Umrah
Registration goes through Tabung Haji. That step isn’t optional — it’s where your queue number comes from, and where your place in line begins.
How long you wait depends on your state and your age. It’s measured in years.
You won’t be given a date up front. Register early anyway — the queue only counts from the day you join it.
Muassasah The subsidised Tabung Haji package. The standard route for most Malaysian pilgrims.
Higher Tabung Haji tiers Same operator, better accommodation and shorter walks.
Private PJH operators Licensed operators running their own packages, usually with more choice over hotel and itinerary.
What separates them: how close you sleep to the Haram, the standard of accommodation in Mina, and how long the trip runs.
Ifrad Hajj alone, without Umrah alongside it.
Tamattu' Umrah first, then Hajj, with a break in between.
Qiran Umrah and Hajj together, in a single state of ihram.
The type changes what you do, how long you stay in ihram, and whether a sacrifice (dam) is required.
Kursus haji Run by Tabung Haji, and expected before departure.
Health Vaccinations and a fitness check. Start early if you have a condition to manage.
Documents Passport validity, and the visa your operator handles.
At home Debts settled, a will written, forgiveness sought from the people around you.
Usually included Flights, visa, hotel, ground transport, meals, and a mutawwif to guide the group.
Usually not Spending money, extra ziarah trips, excess baggage, gifts to bring home.
The gap between 2 packages at similar prices is almost always the hotel — how close it sits to Masjidil Haram, and what standard it is.
Confirm the operator holds a current licence. Ask for the number and check it yourself rather than taking their word for it.
Ask what happens if the trip is cancelled or postponed — and get the answer in writing.
Be careful with a deposit far lower than everyone else’s. It usually means the balance falls due sooner, or the package is thinner than it looks.
Umrah visas are normally arranged by your agency as part of the package. You’ll hand over your passport and wait.
Passport validity is the thing that catches people out. Check yours early — renewing late is what turns a booked trip into a missed one.
Entry rules have changed several times in recent years. Confirm the current requirements with your operator rather than relying on what a friend did last year.
Vaccination Meningococcal is required, with a certificate. Arrange it well before departure.
Documents Passport, visa, and the copies your operator asks for.
Ihram The requirements differ for men and women. Know yours before you reach the miqat.
Packing Less than you think, plus the few things that are awkward to buy there.

Questions people ask.

Eight questions, shortest answers first.

No. Most people in the Hajj queue don't have a date. Tell the calculator what you can set aside each month instead, and it will show you where that gets you.

Yes. Wahed invests only in Shariah-compliant assets. Wahed Technologies Sdn Bhd is a Digital Investment Manager regulated by the Securities Commission Malaysia.

No. Tabung Haji is where you register and where your queue number comes from — that doesn't change. This is for the money you set aside alongside it.

RM100.

Nothing breaks. You can pause a recurring deposit, change the amount, or skip a month.

Yes. You can adjust the amount or the timeline whenever your situation changes.

You'll see a suggested monthly deposit and a projection of where it takes you. Setting up the recurring deposit itself happens in the Wahed app.

Yes. Same goal, shorter timeline. Umrah has no queue, so it's often the journey people finish first.

Make your niat into a plan.

Start that journey with RM 100 into your pilgrimage portoflio.

Open Wahed Account

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